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Best Credit Repair Companies in Allen

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AMB Credit Consultants logo

AMB Credit Consultants

2626 Cole Ave. Suite 300, Dallas, TX 75204
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

AMB Credit Consultants is a company that serves Allen. It aims to help individuals whose financial lives have been impacted by having poor credit and resolves to improve their situation. It provides line-by-line review of credit reports to check for any errors and discrepancies and challenges their validity with collection agencies, credit bureaus, and creditors on their behalf. Its “Empowerment Program” equips clients with the tools to obtain and maintain their credit. AMB Credit Consultants was founded in 2007.

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Approved Credit Resources logo

Approved Credit Resources

609 S Goliad St, Suite 1120, Rockwall, TX 75087
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  • Credit Monitoring
  • Credit Dispute

Approved Credit Resources serves Allen. Its specialists provide credit repair services, helping consumers rebuild their purchasing power, and educate clients on how to responsibly manage their finances. They review reports for negative items—including bankruptcies, collections, foreclosures, and liens—and send dispute letters directly to bureaus to challenge inaccurate information. The company also offers clients 24-hour access to a private credit monitoring portal to track personal progress. Approved Credit Resources' co-founders established the company in 2016, after overcoming their own poor credit—an empathetic approach that underscores their financial advisory work now.

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C&S Credit Repair and Consultants, LLC logo

C&S Credit Repair and Consultants, LLC

1400 Preston Rd. Ste 400, Plano, TX 75093
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

C&S Credit Repair and Consultants, LLC caters to the needs of individuals and businesses in Allen and neighboring areas. The company, which is composed of credit strategists with 10 years of combined experience, focuses on various credit repair services, including offering personalized consultations, identifying and executing tailored plans, and providing custom dispute letters on their clients' behalf. It also offers clients 24/7 access to their case status and updated information and provides financial coaching and counseling, credit training, and workshops.

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Capstone Credit Repair logo

Capstone Credit Repair

3701 Scott Dr, Rowlett, TX 75088
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  • Credit Dispute

Capstone Credit Repair helps individuals and businesses in Allen by developing strategies to improve their credit scores. It provides credit consulting and repair services, working to remove unjustified and unverifiable information in the clients' credit reports. The firm disputes these questionable items with creditors, repositories, and collection companies, using federal and state regulations as the principle of its repair process. It handles late payments, repossessions, foreclosures, identity fraud, charge-offs, and bankruptcies.

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CPR Consumers logo

CPR Consumers

PO Box 2546, Rowlett, TX 75030
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  • Debt Consolidation

CPR Consumers, LLC, serves individuals and businesses in Allen and the surrounding communities. This boutique consumer service firm helps clients establish positive tradelines, increase their credit scores, protect their privacy, and get their reputation back. It also teaches them how to be better consumers. The company also assists clients in keeping financial and personal information safe and addresses inaccurate negative items on credit reports like improper names or addresses, late payments, collections, and bankruptcies.

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DTB Credit Solutions logo

DTB Credit Solutions

​2150 S Central Expy Suite 200, McKinney, TX 75070
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  • Credit Audit

DTB Credit Solutions handles the needs of individuals in Allen and its surrounding communities. The company offers clients various credit repair solutions, including consultations, in-depth analysis, and credit recommendations. Its services include working alongside credit bureaus and creditors to challenge negative report items, providing assistance to maximize scores, educating clients on how to maintain credit, and giving them 24/7 access to their accounts. DTB Credit Solutions also offers email notifications, bank-level security, and marketing tools for its professional partners.

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KCMS Financial Group, LLC logo

KCMS Financial Group, LLC

3930 Glade Rd. Suite 108-224, Colleyville, TX 76034
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  • Debt Consolidation
  • Credit Audit

KCMS Financial Group, LLC is a credit repair company that serves individuals in Allen and nearby areas. It conducts personalized credit evaluation and a full audit to help restore credit scores based on the financial goal of each client. The company provides credit education to aid clients in maintaining credit health. KCMS Financial Group was founded in 2012 by Maria Smith after falling victim to a credit repair scam and built the company on a foundation of trust.

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Keocia Services logo

Keocia Services

450 Century Pkwy, Allen, TX 75013
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  • Credit Monitoring

Keocia Services serves businesses and consumers in the Allen metro and the surrounding locations. Its team provides credit restoration services to help take back clients' buying power. It offers package credit services that involve credit monitoring, advanced compliance disputing, and monthly one-on-one coaching calls. It also has a range of business services, including professional and management development training, business management and support, business credit consulting, and administration support. Keocia Services also assists clients in filing taxes.

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P&P Credit Services logo

P&P Credit Services

550 North Central Expressway #2332, McKinney, TX 75070
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  • Credit Dispute

P&P Credit Services caters to clients in Allen. The company provides a wide range of credit repair solutions that can help clients rebuild their credit scores and settle debts. Its credit repair experts conduct a thorough analysis of a credit report and remove inaccurate or unverified information such as charge-offs, repossession, collections, late payments, and student loans. The team also prepares dispute letters for major credit bureaus and creditors. The company has been serving clients for over 20 years.

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Rapid Credit Repair Services logo

Rapid Credit Repair Services

Forney, TX
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  • Credit Monitoring
  • Credit Dispute

Rapid Credit Repair Services assists individuals throughout Allen. The firm provides clients with credit consulting and counseling solutions, helping them obtain better purchasing power, improve job opportunities, and lower finance charges on credit card balances and loans by raising their credit scores. It contacts creditors on clients' behalf and sends legal documentation to credit bureaus and collection companies to remove unverifiable negative accounts from customers' credit profiles. CEO Christi Rose is a board-certified credit consultant who has been in the industry for half a decade.

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RDT Credit Solution LLC logo

RDT Credit Solution LLC

825 Watter's Creek Blvd, Suite 250, Allen, TX 75013
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  • Debt Consolidation

RDT Credit Solution LLC provides solutions for individuals in Allen to repair and improve credit scores. It offers personal credit restoration packages that include credit audit and analysis and financial management consultation. The company assists in removing negative items from reports, including bankruptcy, evictions, late payments, repossessions, and public records. It also handles business credit and funding with coaching, entity setup, and credit building. RDT Credit Solution is a member of the Credit Consultants Association.

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Repair My Credit Now logo

Repair My Credit Now

375 Adriatic Parkway, #2205, McKinney, TX 75072
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  • Credit Audit

Repair My Credit Now assists clients in Allen and the surrounding communities restore their financial lives. It cleans out credit history by removing bad records such as slow payments, charge-offs, bankruptcies, and foreclosures. Its team also gets rid of discrepancies present in its clients' credit reports. It delivers its services by auditing three credit bureaus, running audits and raising creditor disputes, making necessary adjustments, and deploying installments and revolving credit options. The company has been in service since 1997.

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Rosewood Credit logo

Rosewood Credit

3131 Mckinney Ave., Suite 600, Dallas, TX 75204
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  • Credit Audit

Rosewood Credit caters to customers in the Allen metro and the surrounding communities. It offers credit repair services, which help individuals minimize their debts and improve their credit scores. Its process involves investigating inaccurate and unverifiable reporting information, creating and sending personalized dispute letters to the credit bureaus and creditors, and escalating the disputes. It also corrects wrong personal information, such as names, addresses, and Social Security numbers. Rosewood Credit provides consultations and assists with budgeting, debt management, and financial goal setting.

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Sperity logo

Sperity

1509 Mercury Circle, Mckinney, TX 75071
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  • Credit Monitoring

Sperity is a full-service credit repair company that serves clients in Allen and the surrounding localities. The firm provides individuals with professional guidance in rebuilding their credit scores and reclaiming financial freedom. Its credit repair specialists remove unwarranted mistakes and inaccurate information from their client's credit reports. These include late payments, tax liens, foreclosures, repossessions, and bankruptcies. The team also advises clients on long-term smart buying decisions. Angela Reston, the firm's current CEO, has over 15 years of credit and finance experience.

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US Best Credit Solutions logo

US Best Credit Solutions

1024 S. Greenville Ave., Suite 130, Allen, TX 75002
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  • Debt Consolidation

US Best Credit Solutions caters to individuals in Allen and its surrounding communities. The company has been in the industry for over 25 years, providing credit restoration and education services. Its team members consist of credit specialists, processors, researchers, and attorneys. They aim to remove unwanted items on the client's reports and utilize federal laws in place to protect their consumer rights. The company serves as a member of the National Association of Credit Services Organizations.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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